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The Budget Analysis tool, a complement to the Budget Calculator, provides a deep dive into your budget. By uploading one or more months from your bank or credit card company, you can see a detailed summary of your expenses. We show pie charts by country and category. Further we show your monthly trends and estimate an annual budget based on your monthly data. Our output includes 10 largest vendors and 10 largest transactions. We also have an algorithm that catches potential duplicate transactions. Finally, you can upload up to 5 expense/transaction files. These can either be multiple files for one person or for different members of the family. These files can either be aggregated into one or analyzed separately. To upload your budget please see the sample text (csv) and excel format files.
Budget analysis is the process of reviewing your income and expenses in detail to understand where your money is actually going, rather than just what you planned to spend. It looks at real transaction data over time to show spending patterns, recurring costs, and how your actual budget compares to your expectations.
You upload one or more months of transactions from your bank or credit card statements — up to five files at a time, which can be combined or analyzed separately for different family members. The tool then organizes that data into category breakdowns, monthly trends, and an estimated annual budget based on what it finds.
The analysis surfaces spending breakdowns by category, your 10 largest vendors and 10 largest individual transactions, and month-to-month trends projected into an annual estimate. It also flags potential duplicate transactions, which can help catch billing errors or accidental repeat charges.
Seeing your actual spending broken down by category and vendor makes it easier to spot habits that don't match your intentions, such as recurring subscriptions or an unexpectedly large category of spending. That visibility is a useful starting point for adjusting a budget or setting more realistic spending goals.
Budget Analysis is a companion to the Budget Calculator, a good starting point for setting a plan before reviewing actual transactions against it. The Recurring Expense Calculator, Tax Estimator, and Compound Interest Calculator can help round out the rest of a personal finance plan.
